Acceptance of Terms
By using Thrive Calculator, you agree to these Terms of Service. If you do not agree, please do not use our services.
These terms constitute a legally binding agreement between you and Thrive Calculator regarding your use of our website and calculators.
Description of Services
Thrive Calculator provides free online calculators for:
- Core calculations: basic, advanced, scientific
- Financial planning: e.g., loan, tax, VAT
- Health metrics: e.g., BMI, calorie, body fat
- Fees: fee calculators for payment platforms (e.g., PayPal, Stripe, Wise)
All calculators are provided free of charge and as-is.
User Obligations
When using our services, you agree to:
Acceptable Use
- Use calculators for legitimate purposes only
- Do not attempt to hack, disrupt, or damage our services
- Do not use automated tools (bots, scrapers) without permission
- Do not interfere with other users access to our services
Prohibited Activities
- Use our services for illegal purposes
- Distribute malware or harmful code
- Attempt to gain unauthorized access to our systems
- Copy or scrape our calculator algorithms without permission
- Resell or repackage our services without authorization
- Impersonate Thrive Calculator or our representatives
Age Requirement
You must be at least 13 years of age to use our services. If you are under 13, you may not use Thrive Calculator.
Intellectual Property
Ownership
All content, code, calculators, designs, and materials on Thrive Calculator are owned by us or licensed to us. This includes:
- Calculator algorithms and logic
- Website design and layout
- Logos, branding, and graphics
- Text content and documentation
- Software and underlying code
Limited License
We grant you a limited, non-exclusive, non-transferable license to:
- Use our calculators for personal or commercial calculations
- Share links to our calculators
- Bookmark our pages for personal use
Restrictions
You may not:
- Copy, modify, or distribute our source code
- Reverse engineer our calculators
- Remove copyright or trademark notices
- Create derivative works from our content
- Use our brand without written permission
Accuracy of Calculations
We develop and test every calculator thoroughly before release. However, all results are generated based on the inputs you provide and the formulas we implement. Real-world outcomes may differ.
Important Disclaimer
Our calculators are provided for informational purposes only. While we strive for accuracy:
- Results may vary due to rounding, browser differences, or input errors
- Financial calculators provide estimates, not professional financial advice
- Always consult qualified professionals for important financial, legal, or health decisions
No Warranty
We do not guarantee that our calculators will:
- Be error-free or uninterrupted
- Meet your specific requirements
- Produce results suitable for your particular purpose
Financial Calculators Disclaimer
Financial calculators involve real money, taxes, and legal obligations. The outputs from these tools are starting points for your own research, not final answers. We strongly encourage independent verification before acting on any result.
Not Professional Advice
Our financial calculators (e.g., loan, mortgage, VAT, fee calculators) are not financial advice. They provide estimates based on:
- User-provided inputs
- Standard formulas and rates
- Simplified assumptions
Consult Professionals
Before making financial decisions, consult:
- Licensed financial advisors
- Tax professionals
- Legal counsel
- Other qualified experts
We are not responsible for financial decisions made based on our calculator results.
Privacy and Data
Your privacy matters to us. We collect as little data as possible, store most information locally on your device, and never sell your personal information. The details below explain our approach.
Data Collection
Please review our Privacy Policy to understand what data we collect and how we use it.
reCAPTCHA
Our contact and feedback forms use Google reCAPTCHA to protect against spam. By submitting these forms, you acknowledge that your interaction is subject to the Google Privacy Policy and Terms of Service.
Your Responsibilities
- Maintaining the confidentiality of any data you input
- Ensuring your use complies with applicable laws
- Not inputting sensitive personal information unnecessarily
Embed Policy
You may embed our calculators on your own website using the iframe code we provide. Authorization is required and granted at our discretion. Subject to the conditions below.
Domain Authorization
Embedding our calculators requires authorization. We maintain a domain allowlist to control which websites may embed our calculators. Unauthorized domains will be blocked and will not display the embedded calculator.
To request authorization, contact us via our Contact Us page.
Credit Link Requirement
By default, when embedding a Thrive Calculator widget, you must keep the "Powered by Thrive Calculator" credit link visible and unobstructed. You may not:
- Remove, hide, or obscure the credit link
- Crop, clip, or resize the iframe to exclude the credit link
- Overlay elements on top of the credit link
- Use CSS, JavaScript, or any other method to make the credit link invisible or unreadable
Authorized Partners: Domains that have entered into a partnership or licensing agreement with us may be granted an exemption from the credit link requirement via our domain configuration. Such exemptions are granted at our sole discretion and are subject to the terms of the specific agreement.
Removing or hiding the credit link without authorization violates these Terms of Service and may result in termination of your right to use our embed feature.
Permitted Use
You may:
- Embed our calculators on your website using the provided embed code
- Allow your website visitors to use the embedded calculators for their own calculations
- Customize the iframe container to match your website layout
Authorized domains may be restricted to specific calculators. You may only embed the calculators explicitly permitted for your domain.
Prohibited Use
You may not:
- Modify, reverse engineer, or tamper with the embedded calculator
- Remove or hide the "Powered by Thrive Calculator" credit link
- Frame or rebrand our calculators as your own
- Use our embeds in a way that violates any third-party terms (e.g., AdSense policies)
- Embed our calculators on sites that distribute malware, illegal content, or hate speech
API Usage
Our website provides API endpoints for internal functionality (e.g., reCAPTCHA verification). You may not:
- Access, use, or interact with our API endpoints without authorization
- Use automated tools, scripts, or bots to interact with our API
- Attempt to bypass security measures or rate limiting
- Use our API for any purpose other than its intended functionality
We reserve the right to block or restrict API access at our discretion.
Third-Party Links and Services
Our website uses and may contain links to third-party websites or services:
- Buy Me a Coffee
- Google Analytics
- Google reCAPTCHA
- Formspree
- Google AdSense
- Social media platforms
- Partner websites
We are not responsible for:
- Content on third-party websites
- Privacy practices of third parties
- Terms of service of third parties
Disclaimer of Warranties
We do our best to keep Thrive Calculator running smoothly and accurately. However, we cannot promise perfection. The calculators are tools for estimation, not guaranteed solutions. This section explains the limits of what we can stand behind.
As-Is Basis
Thrive Calculator is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind.
No Warranty
To the maximum extent permitted by law, we disclaim all warranties, including:
- Merchantability: Fitness for ordinary use
- Fitness for a particular purpose: Suitability for a specific stated need
- Accuracy: Correctness of calculator results
- Non-infringement: Not violating third-party rights
- Reliability: Continuous, uninterrupted service
- Security: Freedom from viruses or malware
Limitation of Liability
Thrive Calculator is a free service. We do not charge for access, and we cannot assume unlimited liability for how you use our tools. This section sets reasonable boundaries on what we can be held responsible for.
No Liability
To the maximum extent permitted by law, Thrive Calculator and its operators shall not be liable for:
- Direct damages: Lost profits, lost data, costs of substitute services
- Indirect damages: Consequential, special, incidental damages
- Punitive damages: Exemplary or punitive damages
- Aggregate liability: Total liability exceeding $100 USD
Force Majeure
We are not liable for failures due to circumstances beyond our reasonable control, including:
- Natural disasters
- Internet outages
- Government actions
- Acts of war or terrorism
Indemnification
You agree to indemnify and hold harmless Thrive Calculator and its operators from any claims, damages, or expenses arising from:
- Your use of our services
- Your violation of these terms
- Your violation of any third-party rights
- Content you submit or transmit
Termination
- By You: You may stop using our services at any time
- By Us: We may suspend or terminate your access if you violate these terms, engage in fraudulent or illegal activity, or abuse our services
Upon termination:
- Your right to use our services ceases immediately
- Provisions that should survive termination will survive
- Your local calculation history remains on your device
Changes to Terms
We may update these Terms of Service at any time:
- Changes are effective immediately upon posting
- Significant changes will be announced on our homepage
- Continued use constitutes acceptance of changes
Check this page periodically for updates.
Governing Law
These Terms of Service are governed by the laws of the United States and the State of California, without regard to conflict of law principles.
Dispute Resolution
- Informal Resolution: We encourage you to contact us first to resolve any disputes informally
- Arbitration: Any dispute arising from these terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association
- Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in class actions
Severability
If any provision of these terms is found to be unenforceable:
- That provision will be modified to the minimum extent necessary
- The remaining provisions remain in full force and effect
Entire Agreement
These Terms of Service constitute the entire agreement between you and Thrive Calculator regarding your use of our services, superseding any prior agreements.
Get in Touch
For questions about these Terms of Service, visit our Contact Us page.
We aim to respond to all inquiries within 3-5 business days.
Compliance
These Terms of Service comply with:
- U.S. Federal Law: Applicable federal regulations
- State Laws: Where required
- International Laws: Including GDPR for EU users where applicable